‘Uncategorized’ Archive

Could equity release fund your future?

Freeing up funds or releasing money tied up in your home For some people in the future using their home to fund their retirement is likely to become more commonplace, whether that’s by downsizing to free up funds or releasing money tied up in their home through products like lifetime mortgages.

Missing midlife workers

Redundancy pushes over 50s out of the workforce The economic fallout from the coronavirus pandemic has made Britain’s workforce smaller, with a sharp rise in early retirement among older workers

What’s your magic number?

Keeping up your current lifestyle and enjoying your golden years People planning for retirement should think hard about what they want to do when they eventually stop work. It is helpful to have a good idea of the lifestyle you want, how much it will cost and how you are going to pay for it.

Live sustainably: how to be a conscious consumer

The everyday choices we make all have impacts on our planet Our changing climate is making it harder to live in many parts of the world, often affecting some of the most disadvantaged communities. People are starting to realise that change is imminent and necessary.

Saving for a rainy day

What’s the right emergency fund amount for you? An emergency fund is money you put aside to cover a financial shock. This could be losing your job, or a large, unexpected expense. Building an emergency fund can help prevent you needing to borrow money or make difficult financial decisions in those moments, by giving you […]

How much income will you receive from your state pension?

Knowing what to expect can be an important part of planning for life after work How much do you think you’ll need to fund your retirement? Of course, the answer to that question will depend on what you want to do when you stop work. Worriedly almost half of non-retirees (46%) are unable to identify […]

Adult social care charging reform

What will the government’s proposals mean for the social care system? The government has set out its vision for the future of adult social care. New plans were announced on 7 September 2021, for adult social care reform in England. This included a lifetime cap on the amount anyone in England will need to spend […]

The importance of setting clear investment goals

Creating a realistic plan for achieving your objectives within a certain time frame No matter where you are in life, you probably have financial goals you want to achieve. Planning your investment goals is essential if you’re going to have a real chance of achieving them.

Why cash isn’t king when inflation reigns

Is now the time to look for long term alternatives? The relentless effect of inflation over time can be detrimental for those keeping large sums in cash and attracting interest at a low or even zero rate. The combination of rising inflation and low interest rates make holding cash unappealing. Many people underestimate the damaging […]

Diversified portfolio

Essential to any long-term investment strategy Even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish (rising) or bearish (falling), maintaining a diversified portfolio is essential to any long-term investment strategy.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. WILL WRITING IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

LMJ Financial Management Ltd is authorised and regulated by the Financial Conduct Authority to provide investment advice and is bound by its rules.

The material on the site is the copyright material of LMJ Financial Management Ltd. You may not copy, reproduce, republish, disassemble, decompile, reverse engineer, download, post, broadcast,transmit,make available to the public, or otherwise use LMJ Financial Management Ltd's content in any way except for your own personal, non-commercial use. This includes, but is not limited to all individual fund manager data such as rankings or fund managers and ratings of fund managers. LMJ Financial Management Ltd does not accept any liability for your reliance upon, or any errors or omissions. Any other use of LMJ Financial Management's content requires the prior written permission of LMJ Financial Management Ltd.

LMJ Financial Management Ltd, Upper South Hall, Bullen Farm Business Centre, Bullen Lane, East Peckham, Tonbridge, Kent, TN12 5LX
Tel: 01732 874111 Fax: 01732 874222 Email: lmj@lmjfs.co.uk

©2013 LMJ Financial Management 2013.
Cookie Policy
l Privacy Policy l Disclaimer

 

HTML5 Powered with CSS3 / Styling, and Semantics